News:US Wealth Farmington Valley
Cool Memories for Hot Days
Cool memories for hot days. My earliest memory of cooling off in the summer was running through sprinklers. Cold water but very effective! We did have a nearby pond in which we could swim (or at least cool off), but Lynn Beach was the main attraction.
My Mom, Dad and extended family members would have at least one “cookout” each summer. The Beach had about 30 stone grills and stone picnic benches, all built during the Depression and very solid and functional. Permits were required to “reserve” a fireplace and bench.
We would arrive about 5:30 to begin the evening. We started by cleaning up the grill, benches and surrounding area. Then we’d set up the blankets, ditch our shoes and shirt and head for the water! The Dads would usually hang back to prepare the coals or wood for cooking and have a cold beer or two. Sometimes they would join us in the water, but their main purpose was to cook, or more accurately, burn the hotdogs and hamburgers.
We didn’t care that our meat was “blackened” before that became a cooking trend. It was summer, we were at the beach, and we had food…a perfect kid trifecta!
Those benches and fireplaces are gone now, though the memories of those family cookouts are still strong. When I look at our old summer photos, I can still smell the salt air and taste those delicious “well done” hot dogs!
Summertime and the Living is Easy
“Summertime, and the living is easy.” Do you remember that song from my long-ago youth? It reminds me of Lynn Beach and all the picnics/cookouts with family and friends. I couldn’t wait to grow up! Didn’t know how good I had it!
During summer we can “live outdoors” like they most of our southern and California clients do year-round. Many of their homes are built with the focus on living, eating, and socializing outdoors or in a lanai. It must be healthier than huddling in our boxes for 6 months a year!
The warmer weather also brings those chores and repairs we have been putting off…landscaping, painting inside and out, remodeling and of course, endlessly mowing the grass.
I try to open the windows in late April/early May and not shut them until late September/early October. It can be a little chilly on occasion, but as in the winter, an extra blanket is all you need. The warm/hot days make up for any chilly nights. As long as I can’t see my breath, the house is warm enough! My wife does take exception to that.
I am looking forward to our trip back home to Peabody this week to visit with my cousins and old friends. Don’t get up there often enough since my parents died. Got busy raising our daughter and let some of these connections drift a bit. Time to rebuild some this summer!
Summer Travel to Massachusetts
I’m looking forward to a little time off to recharge and relax and enjoy time with friends and family! We will be traveling to Chatham and Peabody (to see Margaret’s family and mine) July 23-28, where we will reconnect with various siblings, cousins, nephews and nieces.
We will head to Boston on Sunday, July 29 to attend the annual LPL (our Broker Dealer) convention.
I will be out of the office Monday, July 23-Wednesday, August 1.
Important Contact Information
While we are away, our staff will be in the office on a limited basis working on special projects. I will be in touch with our staff and have internet access to our office, though I plan to check in on a limited basis. Please email me or call the office to talk to Sue Davies, our Client Relations Manager, if you have any pressing issues.
A reminder to our financial planning clients: Please do not leave any trade orders or other transaction information on our voice mail system. If there is an emergency financial issue and you cannot reach me, you may contact Rob Napolitano in operations at our affiliate US Wealth Management at (781) 849-9200, Ext. 260.
We appreciate your business and wish you and yours a healthy and happy summer. Here’s hoping you find time for some relaxation and fun in these warm summer days!
From Soccer to Football
The World Cup: A little “dab” will do!
World Cup…I didn’t have a strong favorite in the last game, but I was glad to see the game didn’t end in a shoot out! One of the things I don’t enjoy about the World Cup matches is when a shoot out decides the winner. Why are there 20+ players on the team if so many of them are sitting on the bench when the outcome is determined? The best team should win, not the luckiest goalie/shooter.
While the ball movement and strategy of attack and defend in soccer require consummate skill, 90 minutes of cross-passing and back passing leave me a bit bored. “Shoot the ball!” Some of the more entertaining moments for me came when the French players celebrated their win by teaching their President to “dab!”
Soccer has been slow to gain fans in the U.S., possibly because of the low scoring. Baseball purists love the 1 to 0 games, but the average fan wants to see action—hits, runs, home runs, and even the foul balls flying among the fans in the stadium! The desire for action in sports may be an American taste. Hockey struggled for many years but now has a solid fan base and TV exposure. Hockey may be low scoring, but there is constant action on the ice—very little down time, no stopping for subs.
Good thing we don’t have to wait for hockey season to see some action. Football season is nearly upon us; training camps open in a few weeks. The NFL pre-season starts in early August, and college games kick off around Labor Day. I do enjoy the college games more than the pros. They are 18-22 year-old kids and, while excellent athletes, they are kids and make “interesting” decisions on the field! Not as predictable as the pros! In our office we have graduates (and fans) of Michigan, Alabama and Iowa, so we look forward to discussing the weekend results each Monday morning in the fall.
Hard to imagine that football games will start in such oppressive heat and yet the season can end in freezing temperatures and snow! At least no shoot outs are determining the champion in a football game!
This is our initial newsletter in what will become a weekly communication. We have sent newsletter type e-mails in the past to keep you posted on the “happenings” in the office, travel, graduations, etc., but this will be a bit different.
We plan to have 3 to 4 sections in the newsletter each week.
The first part of the newsletter will always be written by me or one of office staff members. It will be more personal, helping you to get to know each of us on a personal rather than a business level.
In the second section, we will feature an article from our Boston affiliate, John Napolitano. John is a well-known and widely published thought leader in the financial services industry. I think you will enjoy his succinct views and opinions on a variety of issues that are pertinent to your financial well-being.
I will occasionally add a short commentary of my own reflecting on tax, financial, economic and fiscal issues that are currently in the news.
We will conclude the newsletter each week with a general market review produced by our custodian, LPL Financial. There will be high level, macro articles on markets, trends, government policy, trade, etc.
We hope you will look forward to these newsletters and that the information we include will be of value to you.
As always, please call us with any questions you may have that relate to your financial life (taxes, investments, insurance, planning, etc.)
HAPPY INDEPENDENCE DAY 2018
Independence Day is here, the start of summer. The Connecticut shore will be packed from now until Labor Day.
Ben Franklin, on leaving Independence Hall after signing the Declaration of Independence is reputed to have said, “…we have a Republic. Now let’s see if we can keep it.” He understood history and human nature.
The parades and celebrations are great fun. We cannot, however, forget the people who currently serve to allow us to relax and enjoy celebrating with our families and friends. Part of the work to keep that Republic has fallen to the military. As we celebrate July 4th, I miss my daughter, Meara. She is serving in the Air Force and has been stationed outside the U.S. for the past 3+ years, currently in the Middle East.
My wife’s family has also made a major commitment to serving our country in the military. Two nieces and a nephew are West Point graduates; one is an artillery officer in Korea. Another is a Black Hawk pilot like her Mother and Father. Her husband is an Army Ranger and has served numerous tours in Afghanistan.
A second sibling has five sons and one son-in-law. All six men are Army veterans, having served in the U.S., the Middle East and Africa.
While I miss seeing my daughter, nieces and nephews, I am very thankful that there are a group of individuals who are willing to put the common good first. As you celebrate the Independence Day holiday, please join me in remembering that our ability to enjoy our holidays rests on the commitment and sacrifices of these young people. I am proud and grateful for them.
US Wealth Summit '17
October 23- October 24
Scituate Country Club
Sue, Tim and Kelly at the Scituate Country Club - Beautiful Scituate harbor at sunrise on Tuesday, October 24, 2017
LPL Focus '17 July 31 - August 2
Bert Jacobs, Life is Good Company co-founder, giving an inspirational talk at the Boston Convention Center, host of LPL Focus '17
What's Boston without a little Red Sox baseball. Boston Red Sox vs. Cleveland Indians.
US Wealth Farmington Valley Proudly Supports Foxfield F.A.R.M
Tim McCarthy and Sue Davies with Susan & Bill Regan, Chairman and Founders of Foxfield F.A.R.M at the Foxfield F.A.R.M Polo Match, Sunday July 9th.
US Wealth Farmington Valley proudly supports Avon Dollars for Scholars
US Wealth Farmington Valley gave a young business woman's scholarship for a senior majoring in business.
Pictured is Tim McCarthy, the recipient and Mary Ponzani our Bentley University student mentee.
US Wealth Farming Valley at the Theater
Margaret and Tim with Hannah Davies at the Avon Summer Theater production of The Wedding Singer.
Tim McCarthy, Kelly Ennis and Sue Davies attended the US Wealth Management MasterMind Spring Summit 2016 at The Scituate Country Club May 2- May 4. Once again the US Wealth Management Summit was a huge success. Great speakers from US Wealth Management, LPL, Dimensional Fund Advisors, Dreyfus BNY Melon, Invesco, Neuberger Berman, America Century Investments, Franklin Square and State Street Global Advisors along with the spectacular location made for an excellent meeting.
Fall 2015 US Wealth Master Mind Summit
From left to right:Michael Kitces , Partner and Director of Research for Pinnacle Advisory Group along with
Amy Orman, Kelly Ennis, Barb Gode & Sue Davies
Meara McCarthy , 2nd Lieutenant USAF
Graduation Ceremony. Tim and Margaret Pinning 2nd LT bars on Meara. Meara was among the Distinguished Graduates.
Meara as Wing Commander in the graduation parade.
Staff and Friends Participated in the 78th Thanksgiving Manchester Road Race
US Wealth Farmington Valley Hosts US Wealth New Haven for Holiday Luncheon
Staff members from both firms enjoyed a holiday luncheon at the Golf Club of Avon.
Congratulations Joan on your 19 years of service at US Wealth New Haven.
US Wealth Farmington Valley Hosts Thankful Event at The Golf Club of Avon
Paul Morrone, from our New Haven affiliate, US Wealth New Haven joined us for the evening.
Phil Kosmala, of Taber Kosmala was our keynote speaker.
Staff Participates in Hartford Marathon
Congrats Mae & Sue on fabulous times!
US Wealth Farmington Valley 1st Annual Shredding Event
Our 1st Annual SHRED-IT Event was a big success despite the rain!
US Wealth Farmington Valley Supports Community Events:
Avon Summer Theater Presents RENT
Theater night out with the McCarthy's and Davies. Congratulations Hannah Davies on a great performance!
Gifts of Love and Community Farm of Simsbury, Farm to Table Dinner, July 24, 2014
Community Farm of Simsbury promotes education and local agriculture while practicing sound environmental stewardship, preserving the Town Farm and benefiting those in need. In 2013, Community Farm of Simsbury merged with Gifts of Love in Avon to build the capacity of people by creating positive change in their lives, improving food security and lessening the impact of financial crisis for people in need.
Community Farm of Simsbury and Gifts of Love achieve their mission by producing and distributing food, offering farm-based and life-skill educational programs, and providing critical, sustaining tangible supports to those in need.
In 2013, Community Farm of Simsbury donated more than 15,000 pounds of certified-organic produce to families in need through partnerships with Gifts of Love, Billings Forge Community Works, Granby Community Kitchen, Hartford Food System and Simsbury Social Services. In addition, we introduced 2,645 students from throughout Greater Hartford to the Farm through inter-district educational programming and engaged volunteers who donated 2,783 hours to the Farm. With 2014 here, we are open for business and welcome you to join us for educational programming, volunteer opportunities and community events!
July 2014 Gifts of Love, Capitol Campaign Meeting
Tim McCarthy, Board member with Diana Goode, Executive Director
Preparing for Gifts of Love's Future
Gifts of Love has been an important community asset and resource for 25 years. In alignment with its organizational strategy, Gifts of Love purchased office space at 34 East Main Street in Avon, merged with Community Farm of Simsbury, and continues to serve more than 250 individuals and families in need each month.
People come to Gifts of Love at one of the most difficult times in their lives. The new office space is larger, more welcoming and bright. In addition, it can adequately accommodate the staff of the merged organizations.
To support the long-term vitality and growth of the organization, Gifts of Love has embarked on a $1.5M capital campaign to pay off the new office space, establish a building endowment and create a cash reserve. Board and staff believe the purchase of the building reflects the commitment of the organization to the community and its clients. Achievement of the capital campaign will serve as the foundation for the long-term health and wellness of the organization and, thus, the community at large.
To make a contribution to Gifts of Love's Capital Campaign, make a donation online at https://donatenow.networkforgood.org/giftsoflovect, mail your contribution to Gifts of Love, P.O. Box 463, Avon, CT 06001, or call Wendi Fralick at 860-676-2323. Thank you for your support!
On Saturday July 12, 2014, at Elizabeth Park in West Hartford, CT, our staff will participate in a 5K run/walk to support Women's Heart Health.
Pictures to follow.
Sue Davies, Meara & Margaret McCarthy at the Red Dress Run for Women.
Be Happy, Be Healthy Contest Winners:
Staff members, Nancy Muench and Susan Farnam enjoy their grand prize:
A CLEAN FOOD Cooking Class with author Terry Walters©
Last Monday and Tuesday, I enjoyed attending the annual LPL conference – FOCUS – at the Convention Center in South Boston. It was an intimate gathering of about 5,000 LPL independent financial advisors!
Cool memories for hot days. My earliest memory of cooling off in the summer was running through sprinklers. Cold water but very effective! We did have a nearby pond in which we could swim (or at least cool off), but Lynn Beach was the main
Summer Travel to Massachusetts
I’m looking forward to a little time off to recharge and relax and enjoy time with friends and family! We will be trav
The World Cup: A little “dab” will do!
Let’s state up front that you don’t need a credit monitoring service to stay on top of your credit status. For people who are diligent and deliberate in monitoring their own credit, they can do so by accessing a free credit report from each of the credit bureaus once per year.
In many respects, people can be their own worst enemies in their quest for financial security. When you consider that our lives are nothing more than a culmination of the decisions we make each day, if we tend to make more bad decisions than good decisions, or worse, if we can’t make decisions at all, it’s should be no surprise when financial security remains elusive.
On Wednesday, May 19, we had the good fortune to hear a presentation by Dr. Michael Cox, former Federal Reserve Chief Economist.